VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

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Stock Comparison

BJ's Wholesale Club Holdings, Inc. vs Fair Isaac Corporation

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

BJ's Wholesale Club Holdings, Inc.

BJ · New York Stock Exchange

Market cap (USD)$12.3B

Gross margin (TTM)18.6%

Operating margin (TTM)3.9%

Net margin (TTM)2.7%

SectorConsumer

IndustryDiscount Stores

CountryUS

Data as of2026-01-06

Moat score

60/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

Full stock profile

Dive deeper into BJ's Wholesale Club Holdings, Inc.'s moat claims, evidence, and risks.

View BJ analysis

Fair Isaac Corporation

FICO · New York Stock Exchange

Market cap (USD)$40.1B

Gross margin (TTM)82.2%

Operating margin (TTM)46.5%

Net margin (TTM)32.8%

SectorTechnology

IndustrySoftware - Application

CountryUS

Data as of2025-12-31

Moat score

82/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

Full stock profile

Dive deeper into Fair Isaac Corporation's moat claims, evidence, and risks.

View FICO analysis

Comparison highlights

Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 60 / 100 for BJ's Wholesale Club Holdings, Inc.).
Segment focus: BJ's Wholesale Club Holdings, Inc. has 2 segments (97.8% in Merchandise and Gasoline Sales); Fair Isaac Corporation has 2 segments (58.7% in Scores).
Primary market structure: Oligopoly vs Quasi-Monopoly. Pricing power: Weak vs Strong.
Moat breadth: BJ's Wholesale Club Holdings, Inc. has 7 moat types across 3 domains; Fair Isaac Corporation has 5 across 2.

Primary market context

BJ's Wholesale Club Holdings, Inc.

Merchandise and Gasoline Sales

Market

Membership warehouse club retail (groceries, fresh foods, general merchandise, gasoline, ancillary services)

Geography

United States (primarily Eastern U.S.)

Customer

Households and small businesses (members)

Role

Retailer / warehouse club operator

Revenue share

97.8%

Fair Isaac Corporation

Scores

Market

Consumer credit scoring and related predictive scores used in lending decisions

Geography

Primarily United States; also international

Customer

Lenders (mortgage, credit card, auto, etc.), consumer reporting agencies, and consumers (B2C)

Role

Score model developer/licensor; distribution via consumer reporting agencies and direct-to-consumer channels

Revenue share

58.7%

Side-by-side metrics

BJ's Wholesale Club Holdings, Inc.

Fair Isaac Corporation

Ticker / Exchange

BJ - New York Stock Exchange

FICO - New York Stock Exchange

Market cap (USD)

$12.3B

$40.1B

Gross margin (TTM)

18.6%

82.2%

Operating margin (TTM)

3.9%

46.5%

Net margin (TTM)

2.7%

32.8%

Sector

Consumer

Technology

Industry

Discount Stores

Software - Application

HQ country

Primary segment

Merchandise and Gasoline Sales

Scores

Market structure

Oligopoly

Quasi-Monopoly

Market share

n/a

90% (reported)

HHI estimate

n/a

Pricing power

Weak

Strong

Moat score

60 / 100

82 / 100

Moat domains

Supply, Financial, Demand

Network, Demand

Last update

2026-01-06

2025-12-31

Moat coverage

Shared moat types

Brand Trust

BJ's Wholesale Club Holdings, Inc. strengths

Scale Economies Unit CostSupply Chain ControlPhysical Network DensityNegative Working CapitalFloat PrepaymentHabit Default

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InData Workflow LockinSwitching Costs General

Segment mix

BJ's Wholesale Club Holdings, Inc. segments

Full profile >

Merchandise and Gasoline Sales

Oligopoly

97.8%

Membership Fee Income

Oligopoly

2.2%

Fair Isaac Corporation segments

Full profile >

Scores

Quasi-Monopoly

58.7%

Software

Competitive

41.3%

Want the full wide moat stocks list?

Browse the full ranking of wide moat stocks, updated with moat scores and segment context.

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Looking for expansion-stage stocks?

Proven models entering the expansion stage with unit economics that work.

View expansion-stage stocks

Curation & Accuracy

This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).

Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.